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February | March 2014

Home Equity Line of Credit Offer!

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Executive Message
James P Quinlan, EVP/Director of Penn Liberty Wealth Advisors
Now that spring is in the air many of us turn our attention to taxes.  We thought we’d share some tax planning information that may help you increase after-tax returns on your investments.

Your investments can earn money in two ways: 1) by generating income such as dividends, interest, or rent and 2) by generating gains upon sale of the investment as a result of appreciation. Depending upon your investment selections and buy/sell timeframes, investment earnings can be tax exempt, tax-deferred, taxable at ordinary income rates, or taxable at the more favorable long-term capital gains rates.

Tax planning for specific types of investments helps you identify which investments are best suited to your unique situation.  By looking at the tax ramifications of each, you can estimate the potential total after-tax return on your investments and reallocate assets, if appropriate.

If you have any questions or would like a complimentary portfolios review please contact us at

“SII Investments, Inc. (SII), member FINRA/SIPC and a Registered Investment Advisor, is not affiliated with Penn Liberty Bank and/or Penn Liberty Wealth Advisors. Securities and advisory services offered through SII are *not insured by FDIC or any other Federal Government Agency *not a deposit or other obligation of, or guaranteed by any bank or its affiliates *subject to risks including the possible loss of principal amount invested. SII does not provide tax or legal advice”

Retirement Planning Deadlines
Important ages and dates to know if youíve retired or are a soon-to-be retiree
Photo: Retirement Planning Deadlines
If youíre lucky enough to have saved away for retirement using a 401k, IRA or other retirement plan, donít let it go to waste or acquire unnecessary charges. When you reach certain ages, youíre entitled to certain benefits or need to make a decision about when to withdraw. Planning ahead helps you avoid incurring high taxes, penalties and other fees. Keep these age cutoffs in mind when planning your retirement:
What to Know about Investment Property
Tips to help determine if youíre ready for investment property
Photo: What to Know about Investment Property
If youíre looking for ways to make additional income, you may be considering entering the world of income property. Having all the right information and doing the necessary research beforehand is important to ensuring that you purchase the ideal type of property for your wants and needs. Here are some tips to consider as you make your decision.
Spotting Financial Fraud
Donít be a victim of a financial scheme
Photo: Spotting Financial Fraud
Each year, Americans lose an estimated $50 billion to financial fraud schemes. The most likely to be victimized are well-educated, financial-savvy males, age 55 and older. Thatís why itís important to be able to detect financial fraud.
Napa, California
Enjoy a luxurious, laid-back stay in wine country

Wine enthusiasts from around the world travel to Napa Valley, Calif. Plan a luxurious, laid-back vacation filled with tastings, spa treatments and some of the country's best cuisine.
Eco-Friendly Cooking
Why choosing local products can help your health and affect the world around you

As health and environmental concerns increase, more families are taking notice of the food they eat. Where does it come from? How is it harvested or processed? What ingredients are included?
Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.
Published by Penn Liberty Bank
Includes copyrighted material of IMakeNews, Inc. and its suppliers.
January 2014

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